Slide background

Do you want to buy a house?

Before you look for a home, it is best to get pre-qualified.
You can complete a form and Pre-Qualify TODAY!

not sure where to start?

Pre-Qualify Now!
Slide background

We are based out of Conroe

and Houston

Slide background

Let us help you

find the perfect solution that fits your needs

Call (832) 813.0100

Slide background

Visit our office

in Houston

Pre-Qualify Now!

As a premier lender in Montgomery and Harris County for the past 10 years, we pride ourselves on complete customer satisfaction. If you are looking for a home and/or home mortgage in Houston, Conroe, Lake Conroe, The Woodlands or anywhere in Texas, there are a wide variety of options to choose from. Let us help you find the perfect solution that fit your needs.

Pre-Qualify Here


Which loan is for me?

FHA (Federal Housing Administration)

Allows buyers who may not qualify for a home loan to obtain one with a low down payment.

Conventional Loan

The most common type of mortgage. This type is not backed up by any government agency such as the Federal Housing Administration (FHA) or the Veterans Administration (VA).

VA (Veterans Administration)

Guaranteed loans for eligible veterans, active duty personnel and surviving spouses. This loan has very competitive rates with low to no down payment.

Pre-qualification process

Prequalification is an estimate of what you might be able to borrow


Copy of driver’s license and social security card.


Copy of 30 days most recent paystubs.


Copy of W2’s for 2017, 2016 and 2015.

Tax Returns

Copy of two years most recent tax returns, please be sure to include all pages.

Bank Statements

Copy of 2 months most recent bank statements, please be sure to include all pages.

Complete App

Click on Pre-Qualify Now in the menu above and complete your application.


3210 N Frazier St. Suite A
Conroe, TX 77303


7026 Old Katy Road Ste 267
Houston, TX 77024


1312 10th St.
Huntsville, TX 77320

K&G Capital Mortgage – NMLS# 1720729

Conventional financing

  • Minimum of 3% down payment
  • No Mortgage insurance if 20 percent down payment or combined with a second loan
  • Fixed and Adjustable rate options
  • Loan amounts ≤ $453,000
  • Primary, secondary, or investment homes allowed
  • Gift funds allowed for down payment

VA Financing

  • Must be a veteran or spouse with surviving benefits
  • 100% financing with no MI
  • Credit allowed down to 580 score
  • Low fixed rates
  • Seller can pay up to 4% toward closing cost

Seth 5 Star Program

  • FHA financing all through Texas with down payment assistance for qualified borrowers
  • 640 credit score required
  • Utilize the 5% assistance to cover down payment and part of closing cost
  • Low fixed rates

Texas Cash out/ Home Equity

  • Available up to 80% of the home value
  • Low fixed rates available
  • No prepayment penalties
  • Get money in hand to repair the home, pay off debt, etc.
  • We can also refinance an existing home equity loan if the rate reduction is substantial
  • Available in 15,20, and 30 year terms

USDA Rural Housing Loans

  • 100% financing with low Mortgage insurance rates
  • can finance closing cost up to appraised value
  • 620 plus credit required
  • Eligible only in USDA eligible areas
  • Income restrictions apply depending on family size

Jumbo Loans

  • For loan amounts over $424,100
  • Low fixed and adjustable rate options available

FHA Financing

  • 3.5% down payment
  • 6% of sales price allowed for seller to pay toward closing cost
  • 580 plus credit score needed
  • Very low rates and expanded underwriting guidelines
  • Available on 15, 20 and 30 yr. mortgages
  • Non-Occupying Co-borrowers allowed


  • We can do refinances on various loan programs.
  • Lower your interest rate
  • Lower or extend your term
  • Pay property taxes

Bond 79

  • FHA financing throughout the state of Texas with down payment assistance for qualified borrowers
  • 640 credit score required
  • Utilize the 5% assistance to cover down payment and part of closing cost
  • Low fixed rates
DISCLAIMER: The information on this page is not meant to be a quote. So, if you want an ACTUAL interest rate quote, or if you’re just curious what you may be eligible for, just ask us! Annual Percentage Rate (APR) effective 1/1/19. Rates based on K&G average customer FICOs for 2019. Rates may change or not be available at the time of lock. Not an offer to enter into an interest rate or discount point agreement. Any such agreement may only be made in writing by both the borrower and the lender. K&G Capital Mortgage, LP reserves the right to change or cancel this offer without notice. Subject to applicable laws and regulations. Monthly payment excludes mortgage insurance, homeowners insurance, property taxes and HOA.